Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$89,904Cash toward the purchase price.
Closing costs + prepaids$16,420Not just lender fees.
Before credits & paid funds$106,325The complete starting cash picture.
Estimated remaining funds due at closing
$106,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,904.26
Your down payment$89,904.26
Closing costs + prepaids$16,420.35
Total buyer cash needed$106,324.60
Remaining funds due$106,324.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,550.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,152.50
Prepaid interest, first (30 days)$1,249.38
Fees + prepaids$16,420.35
Your down payment is the seller’s equity. You take over the $510,095 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $106,324.60 is due at closing. Uses and sources reconcile at $616,419.35 each. Not a Closing Disclosure.